Can I retire at age 40 with 365,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $365,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$30,141$29,873$29,611$29,355$29,106$28,174
2 years$14,921$14,644$14,374$14,113$13,860$12,930
3 years$9,849$9,570$9,301$9,042$8,793$7,894
4 years$7,313$7,035$6,769$6,515$6,271$5,410
5 years$5,792$5,515$5,253$5,004$4,767$3,946
6 years$4,778$4,504$4,245$4,002$3,772$2,991
7 years$4,054$3,782$3,528$3,290$3,068$2,328
8 years$3,512$3,242$2,992$2,760$2,545$1,845
9 years$3,090$2,823$2,577$2,351$2,143$1,483
10 years$2,753$2,488$2,247$2,026$1,826$1,204
11 years$2,477$2,215$1,978$1,764$1,571$985
12 years$2,247$1,988$1,755$1,547$1,361$812
13 years$2,053$1,797$1,568$1,366$1,187$672
14 years$1,887$1,633$1,409$1,212$1,040$559
15 years$1,743$1,492$1,272$1,081$916$466
16 years$1,617$1,369$1,153$968$810$390
17 years$1,506$1,261$1,050$870$718$327
18 years$1,408$1,165$958$784$638$274
19 years$1,320$1,080$877$708$569$231
20 years$1,241$1,003$805$641$508$194
21 years$1,169$934$740$582$455$164
22 years$1,104$872$682$529$408$138
23 years$1,045$816$630$482$366$117
24 years$991$764$583$440$329$99
25 years$941$717$540$402$296$84
26 years$895$674$501$367$267$71
27 years$853$634$465$336$240$60
28 years$814$598$432$308$217$51
29 years$777$564$402$282$196$43
30 years$743$533$375$259$177$36
31 years$711$504$349$238$160$31
32 years$682$476$326$219$145$26
33 years$654$451$304$201$131$22
34 years$628$428$284$185$119$19
35 years$603$406$266$170$107$16
36 years$580$385$249$157$97$13
37 years$558$366$233$145$88$11
38 years$537$347$218$133$80$10
39 years$518$330$204$123$73$8
40 years$499$314$191$113$66$7
41 years$481$299$179$105$60$6
42 years$465$285$168$96$54$5
43 years$449$272$158$89$49$4
44 years$434$259$148$82$45$4
45 years$419$247$139$76$40$3
46 years$406$235$131$70$37$3
47 years$392$225$123$65$33$2
48 years$380$215$115$60$30$2
49 years$368$205$108$55$28$2
50 years$356$196$102$51$25$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $365,000, adding $5,226 every year, while hoping to spend $23,544 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 76/12/12 Blend
39$365,000$365,000$365,000$365,000
40$407,621$388,276$382,618$437,248
41$424,147$382,250$370,385$451,475
42$441,571$375,141$356,953$463,575
43$459,957$366,869$342,258$476,182
44$479,379$357,353$326,230$489,336
45$499,917$346,504$308,799$503,085
46$521,656$334,230$289,892$517,480
47$544,691$320,433$269,429$532,578
48$569,124$305,009$247,330$548,442
49$595,070$287,850$223,511$565,144
50$622,651$268,838$197,882$582,760
51$652,002$247,852$170,352$601,377
52$683,271$224,761$140,823$621,091
53$716,619$199,429$109,195$642,006
54$752,224$171,711$75,363$664,241
55$790,279$141,453$39,216$687,925
56$830,998$108,495$641$713,202
57$874,614$72,666$0$740,230
58$921,383$33,784$0$774,376
59$971,585$0$0$811,070
60$1,025,529$0$0$851,564
61$1,083,552$0$0$899,928
62$1,146,027$0$0$952,014
63$1,213,361$0$0$1,008,161
64$1,286,001$0$0$1,068,745
65$1,364,440$0$0$1,134,178
66$1,449,219$0$0$1,204,912
67$1,540,933$0$0$1,281,446
68$1,640,233$0$0$1,364,325
69$1,747,839$0$0$1,454,151
70$1,864,541$0$0$1,551,585
71$1,991,206$0$0$1,657,354
72$2,128,790$0$0$1,772,259
73$2,278,345$0$0$1,897,178
74$2,441,024$0$0$2,033,080
75$2,618,102$0$0$2,181,029
76$2,810,976$0$0$2,342,197
77$3,021,186$0$0$2,517,873
78$3,250,429$0$0$2,709,476
79$3,500,568$0$0$2,918,569
80$3,773,657$0$0$3,146,870
81$4,071,956$0$0$3,396,271
82$4,397,953$0$0$3,668,857
83$4,754,387$0$0$3,966,921
84$5,144,275$0$0$4,292,988
85$5,570,937$0$0$4,649,840
86$6,038,030$0$0$5,040,538
87$6,549,581$0$0$5,468,454
88$7,110,023$0$0$5,937,301
89$7,724,241$0$0$6,451,170
90$8,397,612$0$0$7,014,564
91$9,136,060$0$0$7,632,443
92$9,946,109$0$0$8,310,271
93$10,834,946$0$0$9,054,066
94$11,810,486$0$0$9,870,457
95$12,881,448$0$0$10,766,745
96$14,057,435$0$0$11,750,974
97$15,349,030$0$0$12,832,004
98$16,767,885$0$0$14,019,596
99$18,326,841$0$0$15,324,502
100$20,040,043$0$0$16,758,568